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Lately, there seems to be fewer options available for you to plan securely for the future. Unfortunately, you may have invested in the stock market and seen your share of surprises.
Plus, people are living longer today than ever before. In fact, a 65-year-old person today can expect to live another 17 to 20 years. This means you are spending more time in retirement and your income has to last longer.
Tammy Louviere Insurance Agent knows how important it is for you to look for ways to save that help ensure you won't run out of money in retirement. Luckily, annuities offer you a safe, secure way to build your retirement savings and help ensure you don't outlive your money.
Our annuities offer safe, steady growth of your funds as well as a guaranteed income stream. They can help bring you peace of mind knowing your retirement money will be there when you need it.
Do you have a prolonged physical illness, a disability, a cognitive impairment, or other chronic condition that keeps you from being independent? Long-term care is different from traditional medical care. Long-term care helps you live as you do now - it may not help to improve or correct your medical problems.
Long-term care services may include help with activities of daily living, home care, and care in an assisted lived facility. Long-term care may also include care management services, which will evaluate your needs and coordinate and monitor the delivery of long-term care services.
If you have a physical illness or disability, you may need hands-on or stand-by assistance with activities of daily living. If you have a cognitive impairment, you usually need supervision, protection, or verbal reminders to do everyday activities.
The way long-term care services are provided is changing. Skilled care and personal care are still the terms used most often to describe long-term care and the type or level of care you may need.
You usually need skilled care if you have medical conditions that require care by medical personnel such as registered nurses or professionals therapists. This care is usually needed 24 hours a day, a physician must order it, and the care must follow a plan. You usually get skilled care in a nursing home, but may also receive it in